Commercial non trucking liability is not the same as your personal liability coverage that you may have presently on your truck.
Commercial Trucking Liability Insurance is defined in 2 stages
Stage 1- Primary coverage Primary coverage is defined as while the contractor is under a bill of lading, transporting the trailer to destination and or while the contractor is deadheading to another origin point or deadheading home. Horizon would be responsible for all liability in the event of an occurrence.
Stage 2- Commercial non trucking liability (Required by Contractor)
Non trucking liability coverage is defined as when a driver is logged back home until the time when the driver arrives at a new load origin point. The policy coverage minimum amount to carry of at least $500,000 would be required by the contractor at the time of initial lease date.
It is recommended that you inquire with your current insurance carrier for the rate structure and availability. In the event that the cost or option to acquire is prohibitive, Horizon does have a carrier that we refer contractors to by the name of Brown and Brown (please refer to Brown and Brown information on the driver qualifications slide)
If you plan to use your current Insurance carrier, please print this page and fax it to them or have them bring this page up on their computer so that they completely understand the type of coverage Horizon is requiring.
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